Chambers Bank
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Data as of · sourced from FFIEC call reports. How we update
Chambers Bank is an FDIC-insured commercial bank headquartered in Danville, AR, established in 1930 (FDIC certificate 5615), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.59B, up 12.2% from Q2 2025, the 16th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 15.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5615
- Headquarters
- Danville, AR
- Established
- 1930
- Total assets, Q2 2026
- $1.59B
- Assets vs Q2 2025
- +12.2%
- CET1 ratio, Q2 2026
- 15.47%
- Domestic offices
- 26 FDIC institution directory, current count
- Routing number
- 082907008
- Holding company
- CHAMBERS BANCSHARES, INC.
- Asset rank in state
- 16th of 78 in Arkansas
Chambers Bank earns an unusually wide margin on its lending. It reported $1.6 billion in assets at June 30, 2026, up 12.2% from a year earlier. It keeps 4.32 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also grew deposits 14.2% over the year, about triple the median of 5.1% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 8.2% and deposits rose 14.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Chambers Bank reported a CET1 capital ratio of 15.47%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Chambers Bank is the 16th largest of the 78 banks headquartered in Arkansas. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $1.59B, loans rose 4.4% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.8% of total loans, followed by construction and land development loans at 21.4%. Its 25 offices in the FDIC Summary of Deposits are in 20 cities across 2 states; its Danville 3 offices book 15% of its branch deposits. By the capital ratios in its Q2 2026 call report, Chambers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 901 Main St, Danville, AR 72833
- County
- Yell
- Metro Area
- Russellville, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- October 7, 1930
- Domestic offices
- 26 FDIC institution directory, current count
- Employees (FTE)
- 248
- Domestic deposits
- $1.33B
- Allowance for credit losses
- $12.6M
- Net charge-offs (YTD)
- $95K
- Average total assets
- $1.58B
- Average total loans
- $1.14B
- Average interest-bearing deposits
- $1.30B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5615
- Fed RSSD
- 517049
- SEC CIK
- 1275702 → filed by CHAMBERS BANCSHARES, INC.
- Website
- http://www.chambers.bank →
- Parent Holding Company
- CHAMBERS BANCSHARES, INC. (RSSD 1141487)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Chambers Bank's total assets ran between $1.29B (Q3 2023) and $1.59B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.59B total assets against $1.41B; $1.38B total liabilities against $1.23B.
$1.15B net loans and leases against $1.06B; $1.33B total deposits against $1.16B.
$52.0M securities against $49.9M; $285.1M cash and balances due against $212.3M.
$23.9M total interest income against $22.7M; $7.9M total interest expense against $7.3M.
$16.0M net interest income against $15.4M.
$2.2M total noninterest income against $2.0M; $10.9M total noninterest expense against $9.7M.
-$293K provision for credit losses against $370K.
$6.5M net income against $7.1M.
1.65% return on assets against 2.05%; 4.32% net interest margin against 4.71%.
15.47% CET1 capital ratio against 15.21%; 12.57% tier 1 leverage ratio against 13.14%.
Inside the full Chambers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Chambers Bank rankings
Its closest position to the top of a national ranking is 705 of 4,196, for total assets; its furthest is 2,450 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q4 2024) to 2.31% (Q3 2025) and its net interest margin ran from 4.27% (Q1 2026) to 4.74% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.47% | 1.65% | 0.23% | 1.54% | 4.32% |
| Q1 2026 | 15.49% | 1.87% | 0.24% | 1.38% | 4.27% |
| Q4 2025 | 15.39% | 2.01% | 0.26% | 1.41% | 4.59% |
| Q3 2025 | 15.23% | 2.31% | 0.21% | 1.18% | 4.74% |
| Q2 2025 | 15.21% | 2.05% | 0.19% | 1.09% | 4.71% |
| Q1 2025 | 15.15% | 2.22% | 0.12% | 0.69% | 4.35% |
| Q4 2024 | 14.94% | 1.28% | 0.14% | 0.79% | 4.54% |
| Q3 2024 | 14.81% | 1.96% | 0.30% | 1.96% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
View all 25 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Chambers Bank (main office) | Danville , AR | 72833 | $176.4M |
| New Hope Road Branch | Rogers , AR | 72758 | $172.3M |
| Hot Springs Central Branch | Hot Springs , AR | 71913 | $111.3M |
| Parkway Branch | Russellville , AR | 72801 | $93.4M |
| Waldron Branch | Waldron , AR | 72958 | $78.8M |
| Elkins Branch | Elkins , AR | 72727 | $77.5M |
| Fort Smith Phoenix Branch | Fort Smith , AR | 72903 | $71.7M |
| Dardanelle Branch | Dardanelle , AR | 72834 | $70.9M |
| East Joyce Avenue Branch | Fayetteville , AR | 72703 | $60.5M |
| Thomas V. Jones Branch | Dardanelle , AR | 72834 | $46.9M |
| Mena Branch | Mena , AR | 71953 | $44.0M |
| Bank of Amity Branch | Amity , AR | 71921 | $38.8M |
| Hot Springs Village | Hot Springs Village , AR | 71909 | $37.3M |
| Oak Street Branch | Conway , AR | 72032 | $36.8M |
| West Grove Avenue Branch | Springdale , AR | 72764 | $32.8M |
| Dover Branch | Dover , AR | 72837 | $29.5M |
| Dallas Turtle Creek Branch | Dallas , TX | 75219 | $28.5M |
| Danville Branch | Danville , AR | 72833 | $27.5M |
| Van Buren Branch | Van Buren , AR | 72956 | $20.4M |
| Mansfield Branch | Mansfield , AR | 72944 | $19.0M |
| Atkins Branch | Atkins , AR | 72823 | $17.8M |
| Skyline Branch | Russellville , AR | 72801 | $16.8M |
| Havana Branch | Havana , AR | 72842 | $16.4M |
| Danville Branch | Danville , AR | 72833 | $0 |
| River Town Branch | Dardanelle , AR | 72834 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 2, 2019 | Structure Change | Acquired River Town Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 30, 2014 | Structure Change | Acquired Peterson Holding Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 24, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 2008 | Structure Change | Acquired Chambers Bank of North Arkansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 18, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2000 | Structure Change | Acquired Bank of Amity Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 2, 2000 | Structure Change | Acquired The Scott County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.2% of deposits in AR, rank 19 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 449 applications, 356 loans originated, $117.4M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $650K approved, $650K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Chambers Bank
What are Chambers Bank's total assets?
As of the Q2 2026 filing, Chambers Bank reported total assets of $1.59 billion in its FFIEC call report.
Where is Chambers Bank headquartered?
It is headquartered in Danville, AR, United States.
When was Chambers Bank founded?
It was established in 1930, per the FDIC institution directory.
Is Chambers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5615). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chambers Bank?
Chambers Bank's primary federal regulator is the Federal Reserve.
What is Chambers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Chambers Bank operate?
It operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Chambers Bank's Texas Ratio?
Its Texas Ratio is 1.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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